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60305 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 60305 zip code it's important to know that our rates are very competitive for homeowners living in River Forest, IL. Many homeowners based out of your 60305 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Illinois licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 60305 should appear in the zip code field ready to go. For River Forest, IL Homeowners Insurance Quotes nearby, we offer the best rates and service.

60305: Average Home Insurance Rates

For homeowners living in the great city of River Forest, the average homeowners policy is considered medium in comparison to other states. Illinois premiums are estimated to be around $879 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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60305 Home Insurance Average Premiums

Local 60305 homeowners insurance quotes comparison

$629 /yr.

Shows Zip Code: 60305 lowest rates with discounts applied on average.

For the 60305, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$629 /yr.
Average Coverage:$879 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1179 /yr.

What is the average home insurance cost for a home in 60305?

  • • The average homeowners insurance premium paid annually for a home in 60305 is around $879 per year.

What does it cost on average per month for home insurance in 60305?

  • • Homeowners in 60305 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 60305?

  • • Autoowners in 60305 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the River Forest area, check out other zip codes nearby 60305.
Review average rates in another zip code:
60305 homeowners insurance rates

Home Replacement Cost Coverage in 60305

Average Building Cost Per Square Foot in 60305: $154

Location: River Forest, Illinois (Cook County)

Average Square Footage in 60305: 3,905 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 60305 before you start any project. River Forest homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 60305 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 60305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,905 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the River Forest area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1543,905$601,300
Additional Upgrades & Added Features$1933,905$751,625
Major Home Updates or Advancements$2313,905$901,950

It's important to understand that when you estimate your replacement cost of your home in the 60305 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 60305

Allstate Insurance - Ericka Beasley

Address: 7757 W Lake St River Forest, IL 60305
Phone: (708)366-3700
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13865

Best Home & Auto Insurance Agencies in 60305

Grant- Michael T - State Farm Insurance Agent

Address: 7975 Lake St River Forest, IL 60305
Phone:
Website:
Info:

Koca- Lenore L

Address: 7601 Madison St Forest Park, IL 60305
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Geinopolos- Mary Ann L

Address: 7417 North Ave River Forest, IL 60305
Phone:
Website:
Info:

American Family Insurance- James V Doheny Jr

Address: 7610 Madison St River Forest, IL 60305
Phone:
Website: http://www.amfam.com/
Info:

Allstate Insurance - Ericka Beasley

Address: 7757 Lake St River Forest, IL 60305
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13865
Info:

Housing Demographics for 60305

Population Review for 60305 Zip Code

For the city of River Forest, the population within 60305 has increased to over 11,351 residents in population size. The current population total is 11,710. We have broken down the population based on race below. In 60305, there are over 5551 in male population and 6159 females.

PopulationValues
Total Population11,710
White Population8538
Black Population880
Hispanic Population990
Asian Population939
Hawaiian Population0
Indian Population14
Other Population316
Male Population5551
Female Population6159
Population Estimate11351

Household Data for 60305

The average number of homes in 60305 is around 4,004, there are an average of 2.69 per household. The average house value according to local real estate values is around $601,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,004
Persons Per Household2.69
Average House Value$601,300
Income Per Household$129263
Median Age40.1
Median Age Male38.7
Median Age Female41.0
60305 DetailsValues
StateIL
State Full NameIllinois
City TypeB
City Alias Abbreviation
Area Code630/708
CityRiver Forest
City Alias NameRIVER FOREST
CountyCook
County FIPS031
State FIPS17
Time Zone6
Day Light SavingY
MSA1602
PMSA1600
CSA176
CBSA16980
CBSA_DIV16984
CBSA_TypeMetro
CBSA_NameChicago-Naperville-Elgin, IL-IN
MSA_NameChicago-Gary-Kenosha, IL-IN-WI CMSA
PMSA_NameChicago, IL PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses300
Number Of Employees4510
Business First Quarter Payroll37628
Business Annual Payroll158848
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population9461105
CBSA Division Population7147982
Congressional District07
Congressional LandArea62.52
Delivery Residential4220
Delivery Business219
Delivery Total4962
Preferred Last Line KeyW14621
Classification Code
Multi-County
CSA NameChicago-Naperville, IL-IN-WI
CBSA_DIV_NameChicago-Naperville-Schaumburg, IL
City State KeyW14621
Land Area2.477000
Water Area0.002000
City Alias Code
City Mixed CaseRiver Forest
City Alias Mixed CaseRiver Forest
Box Count271
SFDU2946
MFDU1256
State ANSI17
County ANSI031
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number165790
Unique ZIP Name
SSA State County Code14141
Medicare CBSA Code16984
Medicare CBSA NameChicago-Naperville-Evanston, IL
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCook

Illinois Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]